totalRewards VISA

Earn Rewards on Every Purchase

Debit & Credit Cards Earn Rewards

Rewards Reimagined.

Welcome to totalREWARDS, where you'll earn rewards for every purchase made using your Education First VISA Credit or Debit card. That's right. Every Swipe, Tap and Click earns you points that can be used for whatever your heart desires. So go ahead - prepare to be spoiled.

You Deserve To Be Rewarded!

We 're excited about our new rewards program, and we're not even shy about it! 

Introducing totalREWARDS, only at Education First Federal Credit Union. 


Some bank and credit union rewards program only let you earn points on certain types of purchases, or only from certain stores or websites. But not at Education First. We believe you should earn rewards for every purchase!*

Want more good news? As a totalREWARDS member you can combine the points you earn on purchases from your debit and credit cards allowing you greater access to travel, merchandise, gift cards and yes, even cash back!  


totalREWARDS Credit Card
Earning rewards is easy. In fact, it's so easy you don't have to do a thing. Every time you make a purchase you'll automatically earn one (1) point for every dollar you spend on purchases. Online and in-person - every single purchase will result in rewards! 

totalREWARDS Debit Cards
Cash is so passè. Watch the points pile up when you use your totalREWARDS debit card for everyday purchases. Groceries, streaming services, dry cleaning, pet grooming...you name it, you'll earn rewards for it.  Start earning one (1) point for every four (4) dollars you spend when you:
  1. Sign-up for safe and secure eStatements through online banking AND
  2. Complete 20 signature based transactions** every month OR have a direct deposit of $500 or more each month into your Education First checking account.

Questions about totalREWARDS? Don't worry. We've got you covered. Check out these FAQs.

*totalREWARDS points are earned when you use your debit card for signature based transactions. This means you do not enter your PIN number for in-person purchases. Online purchases made using your debit card are considered signature based transactions but ultimately determined by the merchant.